i TABLE OF CONTENTS INTRODUCTION TO YOUR PLAN What kind of Plan is this? ............................................................................................................................................................................... 1 What information does this Summary provide?.............................................................................................................................................. 1 ARTICLE I PARTICIPATION IN THE PLAN How do I participate in the Plan?.................................................................................................................................................................... 1 What service is counted for purposes of Plan eligibility? ............................................................................................................................... 2 What happens if I'm a participant, terminate employment and then I'm rehired? ........................................................................................... 2 ARTICLE II EMPLOYEE CONTRIBUTIONS What are elective deferrals and how do I contribute them to the Plan? .......................................................................................................... 2 What are rollover contributions? .................................................................................................................................................................... 3 What are In-Plan Roth Rollover Contributions? ............................................................................................................................................. 3 What are In-Plan Roth Transfers?................................................................................................................................................................... 3 ARTICLE III EMPLOYER CONTRIBUTIONS What is the safe harbor contribution? ............................................................................................................................................................ 4 What is the Employer nonelective contribution and how is it allocated?........................................................................................................ 4 How is my service determined for allocation purposes? ................................................................................................................................. 5 ARTICLE IV COMPENSATION AND ACCOUNT BALANCE What compensation is used to determine my Plan benefits? .......................................................................................................................... 5 Is there a limit on the amount of compensation which can be considered?..................................................................................................... 6 Is there a limit on how much can be contributed to my account each year? ................................................................................................... 6 How is the money in the Plan invested? ......................................................................................................................................................... 6 Will Plan expenses be deducted from my account balance? ........................................................................................................................... 6 ARTICLE V VESTING What is my vested interest in my account? ..................................................................................................................................................... 7 What happens if the Plan becomes a "top-heavy plan"? ................................................................................................................................. 7 ARTICLE VI DISTRIBUTIONS PRIOR TO TERMINATION OF EMPLOYMENT Can I withdraw money from my account while working? .............................................................................................................................. 7 Can I withdraw money from my account in the event of financial hardship? ................................................................................................. 7 ARTICLE VII DISTRIBUTIONS UPON TERMINATION OF EMPLOYMENT When can I get money out of the Plan? .......................................................................................................................................................... 8 What is Normal Retirement Age and what is the significance of reaching Normal Retirement Age? ............................................................ 9